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XNASLSBK
Market cap75mUSD
Jan 10, Last price  
13.41USD
1D
0.00%
1Q
2.76%
Jan 2017
-17.58%
IPO
25.21%
Name

Lake Shore Bancorp Inc

Chart & Performance

D1W1MN
XNAS:LSBK chart
P/E
15.69
P/S
2.70
EPS
0.85
Div Yield, %
0.00%
Shrs. gr., 5y
-0.69%
Rev. gr., 5y
6.56%
Revenues
28m
+3.67%
2,142,00011,377,00011,534,00011,491,00013,739,00014,179,00017,064,00017,238,00017,077,00017,150,00016,766,00017,537,00019,294,00019,433,00020,408,00021,562,00022,924,00025,182,00027,043,00028,036,000
Net income
5m
-15.56%
2,179,0002,054,0001,819,0001,817,0001,470,0002,161,0003,043,0003,680,0003,626,0003,743,0003,158,0003,338,0003,515,0003,378,0004,000,0004,087,0004,558,0006,187,0005,708,0004,820,000
CFO
6m
-23.73%
3,825,0002,930,0004,500,0001,380,0004,416,0002,547,0004,899,0006,152,0006,753,0005,382,0004,347,0004,963,0004,294,0005,827,0006,114,0005,836,0005,603,0008,551,0008,136,0006,205,000
Dividend
Aug 12, 20240.18 USD/sh
Earnings
Jan 29, 2025

Profile

Lake Shore Bancorp, Inc. operates as the savings and loan holding company for Lake Shore Savings Bank that provides banking products and services. It accepts various deposit products, such as regular savings deposits, including Christmas Club and statement savings accounts; money market savings and checking accounts; interest bearing and non-interest bearing checking accounts, such as demand deposits; health savings accounts; retirement accounts; time deposits; interest on lawyer accounts; and accounts for individuals, as well as commercial savings, checking, and money market accounts for small to medium sized businesses. The company's loan portfolio consists of commercial real estate, commercial construction, and home equity loans and lines of credit; commercial loans comprising business installment loans, lines of credit, and other commercial loans; one- to four-family residential mortgages; and consumer loans, such as personal consumer loans, overdraft lines of credit, vehicle loans, secured and unsecured property improvement loans, and other secured loans, as well as loans secured by certificates of deposit. As of February 11, 2022, it had eleven full-service branch locations in Western New York, including five locations in Chautauqua County and six locations in Erie County, New York. The company was founded in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc. is a subsidiary of Lake Shore, MHC.
URL
https://www.lakeshoresavings.com/
IPO date
Apr 04, 2006
Employees
113
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
28,036
3.67%
27,043
7.39%
Cost of revenue
12,945
10,840
Unusual Expense (Income)
NOPBT
15,091
16,203
NOPBT Margin
53.83%
59.92%
Operating Taxes
1,399
1,162
Tax Rate
9.27%
7.17%
NOPAT
13,692
15,041
Net income
4,820
-15.56%
5,708
-7.74%
Dividends
(1,440)
Dividend yield
2.03%
Proceeds from repurchase of equity
(58)
(85)
BB yield
0.08%
0.12%
Debt
Debt current
12,596
Long-term debt
11,098
25,606
Deferred revenue
3,308
Other long-term liabilities
628,171
(12,354)
Net debt
(94,007)
(44,478)
Cash flow
Cash from operating activities
6,205
8,136
CAPEX
(391)
(406)
Cash from investing activities
19,523
(57,204)
Cash from financing activities
18,369
(8,884)
FCF
89,712
(285,963)
Balance
Cash
53,730
9,633
Long term investments
51,375
73,047
Excess cash
103,703
81,328
Stockholders' equity
68,577
64,595
Invested Capital
656,541
638,627
ROIC
2.11%
3.43%
ROCE
2.08%
2.31%
EV
Common stock shares outstanding
5,856
5,879
Price
11.71
-2.98%
12.07
-18.99%
Market cap
68,568
-3.38%
70,965
-19.11%
EV
(25,439)
26,487
EBITDA
15,898
17,059
EV/EBITDA
1.55
Interest
9,397
2,415
Interest/NOPBT
62.27%
14.90%